Hipotecas inversas · Spain
Release the value of your Spanish home and keep living in it
Lifetime mortgages for permanent residents in Spain aged 65 and over. No monthly repayments. You stay in your home for life.
Lifetime mortgages for permanent residents in Spain aged 65 and over. No monthly repayments. You stay in your home for life.
After a lifetime of work, the money you need may already be here, in the walls you live in. A lifetime mortgage lets you release part of that value as a lump sum, regular payments, or both, while you carry on living exactly as you do today. There are no monthly repayments: the loan, plus interest, is settled when the home is eventually sold, and never before.
We only work with over-65s who are permanent residents in Spain and own their main home outright, or nearly. That focus is deliberate: it means every question you have is one we have answered a hundred times, in English or Spanish, patiently and in plain words.
Release a lump sum, regular payments, or both against the value of your main residence, with no monthly repayments required at any point.
Clear guidance in English or Spanish from specialists who work only with over-65s in Spain. We explain everything twice if you want us to.
You remain the owner of your home and can live in it for life. A no-negative-equity guarantee means your heirs will never owe more than the home is worth.
We listen to what you want retirement to look like. No obligation, no jargon.
An independent surveyor values your home. You see the same figure we do.
A clear, fixed offer with every number explained. Take all the time you need.
The money arrives, and life carries on as normal, in your own home.
Every consultation happens at your kitchen table or ours, never over a call-centre phone line. We bring the figures, you bring the questions, and nothing is signed until every number makes sense to you.
“A lifetime mortgage turns the value of your home into money for the years you've worked for.”
At your home, our office, or by video. As long as it takes.
One-off, from. Usually added to the loan, not paid upfront.
Of the amount released, capped at €4,900.
Nothing. Ever. Interest is settled when the home is sold.
“We were nervous about the idea at first. Marc explained everything twice, in plain English, and never once pushed us. The money has paid for a new roof, a car, and trips to see the grandchildren.”
“Professional, patient and completely transparent about the numbers. I released enough to stop worrying about the pension gap, and I still own my home.”
Twenty years advising English-speaking residents across the Costa Blanca and Costa del Sol.
Handles every case personally: valuations, notaries and the paperwork, in Spanish and English.
Turns the small print into plain words, and checks every guarantee before you sign anything.
Yes. You remain the registered owner for as long as you live there. The lender registers a charge, exactly like a normal mortgage, nothing more.
No. Interest rolls up over the years and is settled when the home is eventually sold, usually by your heirs, from the sale proceeds.
The no-negative-equity guarantee means your heirs will never owe more than the home is worth. Whatever is left after repayment is theirs.
If you're 65 or over, a permanent resident in Spain, and own your main home outright or with only a small mortgage, the answer is very likely yes.
In most cases, yes. The plan can transfer to a new property of equal value, subject to the lender's approval at the time.
Lifetime mortgages are a regulated product in Spain, recognised in the mortgage law (Ley 5/2019) and supervised by the Bank of Spain. Three things the regulation guarantees:
Read the full guide on the How it works page.
A free, no-obligation conversation about your options. You'll leave it knowing the numbers, even if you decide to do nothing.
Book a free consultation